1

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

A MONTHLY UPDATE ON THE TRENDS AND PLAYERS

DRIVING CROSS-BORDER PAYMENTS

D E C E M B E R 2 0 1 5

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

Allied Wallet integrates with shopping cart j2 Store

Pakistanremoves barriers for global eCommerce

Chinese cross-border eCommerceestimated to reach $1.02 trillion in 2016

CardinalCommerce wins patent for faster authentication

Creditcall and Linkpaybreak into Top 10

Saxo launches new payment platform, Banking Circle

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 2

The Internet has no borders. And no one can vouch for it more than Canadian shoppers.

As the weak Canadian dollar, or the “Loonie,” kept Canadians at home this Thanksgiving and Black

Friday, it didn’t stop them from crossing borders in a virtual sense - online. U.S. retailers are still

bagging carts online for Canadian shoppers. A recent report noted Vancouver, the eighth largest city

in the country alone, will lose as much as $1.6 billion in physical retail sales to cross-border

eCommerce this year.

This trend has been on the uptick for a while and is fast becoming the norm. The same report also

predicts online spend by Canadians to increase by 50 percent by 2019. Canadians already represent

37 percent of global cross-border shoppers, with over 60 percent of them shopping at American

websites.

A recent PayPal study listed clothing, footwear and accessories as the top category, followed by

digital entertainment and education for Canadian cross-border shoppers.

What is luring Canadians to buy from U.S. retailers? Access to a larger variety of goods, better prices

and lower shipping costs have drawn close to 15 million Canadians to shop online from U.S.

merchants. This differs significantly from another huge purchaser of U.S. goods: the Chinese

consumer. In comparison, Chinese shoppers are concerned with quality of the products, ease of

returns and customer service.

Canadian retailers have always had to battle high shipping costs to serve a small, dispersed

population across vast distances. As a result, Canadian shoppers have historically favored what

retailers haven’t been able to offer efficiently: free or subsidized shipping. It still remains one of the

greatest barriers for Canadian retailers struggling to gain a critical mass to be able to subsidize

shipping.

This has given large U.S. eCommerce companies like Amazon, Best Buy and eBay a chance to come

in and eat into local businesses’ market share. Amazon leads the race among popular online

destinations for Canadian shoppers with over 30 percent market share. eBay, Best Buy and Walmart

came in for a close second, sharing the ploy with Chinese marketplaces like Alibaba’s Aliexpress.com.

Additional reasons beyond price and shipping costs may also contribute to Canadians flocking to U.S.

sites. Canadians are increasingly using smartphones to purchase goods and services, with 16

percent of eCommerce sales in Canada conducted on mobile devices. However, it’s possible that

local retailers aren’t keeping up with global counterparts when it comes to a great experience on

these devices. As noted in the X-Border Payments Optimization Index, among the sites surveyed,

only 67 percent of Canadian sites are optimized for mobile commerce, compared to 100 percent of

U.S. sites.

Canada’s Holiday Wish List: A Borderfree Internet

COVER STORY

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

Canadian sites also take a beating when it comes to offering rewards, with only 17 percent

offering incentives vs. their U.S. counterparts. Finally, 61 percent of large independent retailers

have no Web presence at all.

How does this compare to the rest of the world? The PYMNTS X-Border Payments

Optimization Index, which evaluates 195 sites around the world, tracks multiple attributes which

matter to consumers, including shipping, payment, pricing and ease of use. Across 10

countries, it marks top determinants of what merchants need to succeed among international

shoppers. U.S. retailers lead the race including a robust presence on mobile and offering

rewards programs. They also make it easy for consumers abroad – by eliminating friction

associated with requiring user profiles, accommodating multiple currencies and the most

recognized payment brands.

The Canadian retail market is at its prime for growth and expansion. Studies suggest

eCommerce in Canada is predicted to grow faster than in the U.S., but that could be

indicative of a saturated U.S. market. Canada ranks in the Top 10 B2C eCommerce

markets, with mobile commerce sales predicted to account for over half of eCommerce

with omnicommerce also gaining prominence.

But until that transformation occurs, Canadian retailers are giving away their lunch to U.S.

merchants.

Canada’s Holiday Wish List: A Borderfree Internet

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

It’s that time of the year again — of festivities and loose purse strings.

Chinese shoppers are flocking to U.S. merchants, steadily pushing the envelope on cross-border

shopping. In a record-breaking year, Alipay noted that the number of China-based consumers shopping

U.S. brands online over the holiday season has increased 700% over last year, with millennials contributing

a lion’s share.

PayPal also released its annual cross-border consumer research to discover trends emerging among

shoppers across the world. The biggest trendsetter this year was China. Despite devaluation of the yuan,

there has been an increase in cross-border shopping. Emerging as the top export market for U.S.

merchants, with an estimated 78 million cross-border shoppers buying from U.S. websites.

That number has been on the rise: 35 percent of online shoppers shopped cross-border in 2015 vs. 26

percent last year. The top category among cross-border shoppers from each of these countries is

clothing/apparel, footwear and accessories. Entertainment and education products, both digital and

physical, are also popular.

While U.S. retailers still remain the top destination for cross-border shoppers, their prominence may be

threatened as merchants everywhere work fast and hard to etch their presence in the space by supporting

more currencies and languages.

Research from One Hour Translation shows that Chinese online merchants and eCommerce websites

have significantly increased their sales efforts in English, Russian and Arabic speaking markets between

2014 and 2015. The Chinese interest in these markets is particularly apparent around record-breaking

sales dates such as Singles’ Day, Black Friday, Cyber Monday and Christmas. Between 2014 and 2015,

requests from online Chinese merchants and eCommerce websites for translations from Mandarin to

English rose by approximately 116 percent, while requests for translation from Chinese to Russian rose

approximately 81 percent and requests for translation from Chinese to Arabic rose approximately 52

percent.

With Chinese cross-border eCommerce estimated to reach $1.02 trillion in 2016, China currently has more

than 5,000 cross-border eCommerce platforms and over 200,000 enterprises conducting such businesses.

Additionally, the Chinese government’s push to promote online business is expected to provide the extra

push.

The X-Border December Tracker Updates

In this issue, we’ve profiled 59 global payment service providers, including five additions to the Tracker:

2C2P, Alternative Payments, Creditcall, Linkpay and PPRO. Of these providers, we also updated five

players. Coinify was updated with information on currencies it accepts, Vantiv was updated regarding its

fraud features, Cybersource on the number of countries served, and Digital River on its omnichannel

services. The PAY.ON logo was also updated due to its recent acquisition by ACI Worldwide. Updates to all

these players resulted in some adjustments to scores.

WHAT’S INSIDE

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 3

THE X-BORDER LANDSCAPETM

RISK AND COMPLIANCE

FRAUD TOOLS

OMNICHANNEL

DEVELOPER TOOLS

PAYMENT METHODS

INDUSTRY STANDARD BEST-IN-CLASS

GEOGRAPHIES

The X-Border LandscapeTM is a graphic representation of the Top 10 payment service

providers in five categories important to optimizing a merchant’s cross-border payments

operations. The highest ranked providers are listed to the right of the graphic.

Among the four new companies added to the Tracker, Linkpay and Creditcall broke into

the Top 10 ranking.

Indicates top scoring company in at least 4 categories.

*Top 10 are based on final scores. There may be ties in

each position, creating more than 10 companies per

category.

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

APRIL 2015

PAYMENT METHODS NEWS AND TRENDS

MeXBT announces its cross-border payments platform

The Mexican bitcoin currency exchange, MeXBT, announced Pay.meXBT, a platform for

international payment which will facilitate payments between Latin America and Asia. It makes use

of bitcoin and blockchain in order to facilitate cross-border payments in fiat currency. MeXBT CEO

said that the opening of the new platform will have a positive impact on trade between Mexico and

other countries, offering more business options for the SMEs.

Saxo challenges the cost and time of x-border payments

Saxo Payments announced the launch of Banking Circle. The platform connects players of the

global payments community and links them to lower foreign exchange and cross-border transaction

fees, according to Saxo. Sending and receiving funds when both players are in Banking Circle leads

to the recipient not incurring a landing fee. Saxo also said that users can take advantage of the

ability to enter new markets without having to establish a banking relationship there.

Kleiner invests in Align Commerce’s blockchain rails

Align Commerce received $12.5 million in Series A funding for global expansion. Align Commerce

also plans to cut costs, reduce processing times and make the SMB payments experience

seamless. And with its new funding, it’s going to be able to expand its vision. Through using

solutions like its electronic “multi-rail” payments platform, it mixes blockchain — an encrypted, data-

driven rail — with traditional bank wire and treasury management rails.

Digital River wins Tekne 2015 award for its SPI

Digital River won a Tekne award for its Service Provider Interface (SPI) by the Minnesota High Tech

Association. Digital River was nominated in the Software – Established Company category along

with Unisys Corporation and Blue Cross and Blue Shield of Minnesota.

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NEWS & TRENDS

7

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

APRIL 2015

GEOGRAPHIES NEWS AND TRENDS

Chinese cross borders eCommerce estimated to reach $1.02 trillion in 2016

Chinese eCommerce operations across borders is estimated to reach $1.02 trillion in 2016, with 30

percent growth rate and 20 percent in the ratio of China’s total import and export trade. China

currently has more than 5000 cross-border eCommerce platforms and over 200,000 enterprises

conducting such businesses. With the slowing down of the international economy, China’s import

and export trading growth rate continues to decrease. However, the Chinese government’s push to

promote online business is expected to give the necessary boost.

Borderfree and Alipay partnered to bring U.S. fashion and accessories to Chinese

consumers

Borderfree, is moving to bring more U.S. fashion and accessories to Chinese consumers. Through

a partnership that is already in place with Alipay, firms can sell to Chinese consumers who can pay

in their local currency. The initial phase of the partnership was launched last year and allows

Alipay’s 400 million active and registered users to buy from marquee names in the United States,

ranging from Bloomingdale’s to Macy’s to Saks, along with more recent entrants, such as

MotoSport.

Chinese e-tailers increase localization and translation in English, Russian and Arabic

speaking markets

Research from One Hour Translation shows that Chinese online merchants and eCommerce

websites have significantly increased their sales efforts in English, Russian and Arabic speaking

markets between 2014 and 2015. The Chinese interest in these markets is particularly apparent

around record breaking sales dates such as Singles Day, Black Friday, Cyber Monday and

Christmas.

This is apparent in the increased number of requests for translations. Between 2014 and 2015,

requests from online Chinese merchants and eCommerce websites for translations from Mandarin

to English rose by approximately 116 percent, while requests for translation from Chinese to

Russian rose approximately 81 percent and requests for translation from Chinese to Arabic rose

approximately 52 percent. English-language websites have also increased their efforts in Russian,

Arabic and Mandarin-Chinese-speaking markets, however at lower rates.

4

NEWS & TRENDS cont’d

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

APRIL 2015

GEOGRAPHIES NEWS AND TRENDS

Yahoo Hong Kong launches Hong Kong-Taiwan cross border eCommerce platform

Yahoo Hong Kong has launched its Hong Kong-Taiwan cross-border eCommerce platform. The

merchants can avail of special starter packages to support for logistics, cash flow and store

operations and management.

Coinify adds 15 blockchain currencies

Coinify, the largest European blockchain payment processor, has announced the addition of 15

blockchain currencies enabling more than 10,000 merchants to accept payments in a total of 16

different blockchain currencies. Amongst the new tokens that can be spent with all Coinify

merchants are: Ether, the currency native to the Ethereum distributed computing network; and

TetherUSD, which always maintains a 1:1 exchange rate parity with the US dollar.

RISK AND COMPLIANCE NEWS AND TRENDS

Pakistan removes barriers for global eCommerce

IT Minister of Pakistan has recently eased regulations in order to facilitate eCommerce operations. It

also aims to invite PayPal and Alibaba to build infrastructure for consumers to tap into eCommerce

worldwide. The move follows a decision by the global Financial Action Task Force of ranking in its

white-list, meaning that the country has now internationally accepted anti-money laundering and

counter-terrorist financing standards.

DEVELOPER TOOLS NEWS AND TRENDS

Allied Wallet integrates with J2 Store

Allied Wallet, payment solutions provider, integrated with shopping cart and eCommerce solution J2

Store. Allied Wallet CEO expects the integration with J2 Store will bring our solution to even more

users. J2 Store offers a powerful, responsive, and mobile-friendly eCommerce shopping cart

solution with no overhead and a simple setup.

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NEWS & TRENDS cont’d

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

APRIL 2015

FRAUD TOOLS NEWS AND TRENDS

CardinalCommerce for fastest authentication

CardinalCommerce got the approval for two more patents in Australia and Canada. These new

technologies services include translating communication protocols and dynamically ranking and

routing requests from redundant services based on volume, latency, functionality and other criteria.

CyberSource launches merchant-focused real-time fraud analytics tool

CyberSource, a Visa owned company, launched Decision Manager Replay — a real-time fraud

analytics tool that enables merchants to both analyze and adjust fraud management strategies. The

tool also gives merchants the ability to run “what if” fraud strategy analysis. Merchants can test the

effectiveness of their fraud strategies by running a batch of recent transactions test for fraud based

on a variety of risk levels.

Vantiv announces levels for its fraud toolkit update: order linking, expert, transaction

scoring

Vantiv added three service levels for its fraud toolkit: Basic, Advanced Best Practices and Advanced

Custom. Advanced Custom service gives users the tools, resources and guidance to counter their

particular exposure to fraud attacks.

4

NEWS & TRENDS cont’d

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© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing

framework for evaluating the many players that provide cross-border merchant payment processing

services.

Provider profiles include company overviews, the year the company launched, and number of

customers and annual revenue, when available. Profiles also include a total score derived from

quantifying the services offered in each of six areas important to cross-border payments:

6

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

OMNICHANNELPAYMENT

METHODSGEOGRAPHIES FRAUD

TOOLS

RISK AND

COMPLIANCE

DEVELOPER

TOOLS

4

8

23

3

6

22Checkout is a global payments provider that makes it easy to accept payments

from anyone, anywhere. Businesses and organizations can accept payments

using eight payment methods and in 26 currencies, and settle in 25 home

currencies. 2Checkout offers both hosted checkout forms and APIs, and

integrates with more than 100 shopping carts.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 1999

CUSTOMERS 50,000

PRICING 2.9% + $0.30

3

3

11

5

0

02000Charge/Global Clearing Solutions specializes in alternative payment

solutions, covering a broad spectrum of payment methods and target markets.

Merchants view the company as a one-stop shop. 2000Charge provides a

complete solution that includes integration, end user support, transaction

management tools, geotargeting, fraud controls and much more.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 1999

CUSTOMERS 100,000

11

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2006

CUSTOMERS 3,500

9

9

36

11

2

5

Adyen is a leading payments technology company that provides businesses a

single global platform to accept payments anywhere in the world. Driven by a

vision to improve customer experience, streamline processes and ultimately

increase revenue, Adyen enables businesses to process payments across

online, mobile and Point-of-Sale (POS), with over 250 payment methods and

187 transaction currencies.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

7

4

20

3

4

0

Abilipay Ltd. is a professional and experienced outsourcing service provider

with a focus on payment processing, risk management, billing and credit

control. The company’s efforts are geared toward Web-based merchants,

covering a wide range of payment methods and target markets.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTSLAUNCH DATE 2004

5

2

14

5

0

2 2C2P (Cash and Card Payment Processor) is a Southeast Asian

comprehensive payment solutions provider, transforming millions of everyday

payments across Asia. The company offers a number of services tailored for

the needs of eCommerce and m-commerce merchants, banks and financial

institutions of any size.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2003

VOLUME $450M

PRICING 3.75% for Visa, MasterCard & JCB; 4.2% for

AMEX

12

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

3

9

18

4

2

0Allied Wallet continues to revolutionize the eCommerce industry by introducing

new and innovative payment processing solutions for online merchants,

enabling them to send and receive global payments. With PCI compliant

merchant services for nearly any business size, Allied Wallet provides a state-

of-the-art payment gateway to optimize online transactions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2002

CUSTOMERS 125 million users

PRICING 1.95% + $0.20

1

2

11

3

3

0

allpago international operates as a payment gateway in Latin America, serving

merchants and payment service providers with its products and services. With

one integration, it provides access to Visa, MasterCard, Diners, AMEX,

Discover, Elo, Boletos (Itaú, Bradesco), PayPal Brazil and more than 150

payment methods worldwide. An API solution with a full set of transaction and

post-transaction operations allows 100% ERP integration.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTS

LAUNCH DATE 2008

0

2

9

5

0

2Launched in December 2004 and operating as an important participant in

Alibaba Group's ecosystem, Alipay provides secure, trustworthy and convenient

online and mobile payment services. Alipay currently collaborates with over 200

financial institutions and provides payment solutions for nearly 10 million small

and micro businesses. As of December 2013, Alipay reached 300 million real-

name registered users.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

LAUNCH DATE 2004

CUSTOMERS 300,000,000

PRICING 2.0% - 3.0%

13

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PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2007

PRICING 2.9% + $0.30

2

2

14

6

4

0

Checkout by Amazon is a complete checkout and payment solution for

eCommerce retailers. Merchants can offer it as a checkout or payment option

on their retail website to enable millions of Amazon customers to use

information stored in their Amazon.com accounts to buy.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

3

3

13

5

2

0

AltaPay is a global payment management company, headquartered in

Copenhagen, Denmark. Founded in 2008, the company (formerly known as

Pensio) provides eCommerce businesses with global payment processing

solutions. AltaPay’s customers include Arvato Bertelsmann, boohoo.com,

ECCO, Kate Spade, Live Gamer, and Toys "R” Us. For more information,

please visit www.altapay.com.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2008

CUSTOMERS 40

3

3

15

4

3

2 Alternative Payments Inc. provides online merchants with a complete set of

payment solutions tailored to local markets around the world. Provides solutions

for billing the 65% of Europeans that do not have credit cards. Processes any

currency and settle in-bank account in US Dollars or Euros. Offers local

language support & geo-targeting forms.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 1999

PRICING 3.85% +€0.20

14

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2006

PRICING 4.9% +$2.5

3

11

21

2

1

0Avangate is a digital commerce provider that enables the new services

economy, helping software, cloud and online services companies sell their

products and services via any channel, acquire customers across touchpoints,

increase retention, leverage smarter payments, experiment on the fly and

optimize their business in order to increase overall revenue.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

4

PAYMENTS

LAUNCH DATE 1996

CUSTOMERS 400,000

7

3

18

3

1

4

Since 1996, Authorize.Net has been a leading provider of payment gateway

services, managing the submission of billions of transactions to the processing

networks on behalf of merchant customers. Authorize.Net is a solution of

CyberSource Corporation, a wholly owned subsidiary of Visa.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

3

4

15

1

1

2Bango powers payment and analytics on the mobile Web, providing users with

a massively smooth payment experience. Bango’s pervasive presence across

the Web creates a platform effect for partners, identifying hundreds of millions

of users and maximizing the number of one-click payments. Global leaders plug

into Bango, as its customers include Facebook, BlackBerry World, Windows

Phone Store, Amazon and major mobile brands including CNN, Cartoon

Network and EA Mobile.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

4

PAYMENTS LAUNCH DATE 1999

CUSTOMERS 1 billion users

PRICING 2% - 5%

15

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PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2009

CUSTOMERS 300,000

VOLUME 13.5B annually6

3

12

0

1

2 Bank of America Merchant Services, a joint venture between First Data and

Bank of America, provides payment solutions by combining the technology and

innovative products of First Data with the relationship strength and prominent

global brand of Bank of America. Bank of America Merchant Services delivers

payments, commerce, security and advice through more than 100 products and

services to merchants of all sizes.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2014

PRICING 1% fee on every purchase

3

5

9

1

0

0

BitGold Inc. is a platform for savings and payments in gold. It provides users

with a secure vault account to purchase gold using a variety of electronic

payment methods and transaction capability including: instant cross-border gold

payments, merchant invoicing and processing for gold, debit card spending of

gold at traditional points of sale, conversions to a customer's external digital-

wallet or bank, and physical gold redemptions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

3

5

13

3

2

0

BillPro offers secure payment solutions for low- and high-risk industries. BillPro

offers credit card, eCheck, ACH and international bank payments for all

business types. BillPro also offers a Level 1 PCI DSS Compliant payment

gateway that is fully integrated with many of the world’s largest gateways and

shopping carts.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

PRICING 2.1% - 3.5% fee

16

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2001

CUSTOMERS 2,000

VOLUME 13.5B annually7

10

27

8

2

0 BlueSnap is an international payment gateway powering the checkout process

for eCommerce merchants worldwide, and fueling growth for online businesses

serving digital, physical and mobile market.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

2

7

28

7

8

4BitPay is a payment service provider specializing in the peer-to-peer virtual

currency bitcoin, which provides for instantaneous transactions from anywhere

in the world with no risk of fraud or chargebacks. Using BitPay enables

merchants to easily accept bitcoin for payment, just like with Visa, MasterCard,

PayPal or cash. Merchants can choose what percentage of revenues are kept

in bitcoin or converted to a fiat currency and direct deposited into their bank

account. BitPay has eliminated processing fees.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2011

CUSTOMERS 60,000

PRICING $0 transaction fees

0

6

8

0

0

2

Boku creates a frictionless payment system allowing a mobile phone number to

be used as a safe and secure payment instrument. In 2009, it partnered with

mobile operators around the world to enable their subscribers to purchase

virtual goods simply using their mobile number. With Boku, customers can

charge their purchases directly to their mobile bill using just their mobile

number.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2009

CUSTOMERS 3,000,000

17

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

LAUNCH DATE 2007

VOLUME $12B

CUSTOMERS 40,000,000

7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

9

6

27

5

5

2Merchants in more than 40 countries across North America, Europe and

Australia can accept payments in more than 130 currencies using Braintree.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

5

7

19

6

1

0

Braspag offers payment solutions in Latin America and the United States. In

Brazil it develops solutions for payment processing (payment gateways),

reconciliation, anti-fraud, tokenization, checkout and hosted payment page.

Braspag is a company of the Cielo Group.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2005

LAUNCH DATE 2001

CUSTOMERS 2,000

5

9

20

0

0

0

Borderfree operates a global technology and services platform that the world's

most iconic brands rely on to expand globally and transact with customers in

more than 100 countries and territories, and more than 60 currencies

worldwide. Borderfree manages all aspects of the international shopping

experience, including site localization, multi-currency pricing, payment

processing, fraud management, landed cost calculation, customs clearance and

more.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

6

PAYMENTS

18

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1999

6

10

25

5

1

3

CardinalCommerce is the pioneer and global leader in enabling authenticated

payment transactions in the card-not-present payments industry since 1999.

Through one connection to its proprietary SafeCloud payment platform,

CardinalCommerce enables friction-free, technology, neutral authentication and

alternative payment services (including digital wallets and mobile commerce

services).

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

4

2

20

5

5

4

Cardstream is a Level 1 PCI:DSS compliant independent payment service

provider providing merchant processing debit and credit cards transactions both

online, with a secure and reliable payment gateway, or with real-time virtual

terminal for mail and telephone orders. Process card payments for all the UK

acquirers and several European acquirers, across all card types including

China Union Pay and for all worldwide currencies, Cardstream is also able to

work with merchants and acquirer partnerships to source the best possible

merchant account rates for merchants.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 1999

PRICING ₤18 Monthly fee; 6.57 pence per transaction

5

6

16

3

2

0

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2009

CardPay offers online credit card processing, working with a wide range of

currencies and payoffs with no fees for subscription. It also integrates user-

friendly payment gateway solutions.

19

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1985

CUSTOMERS 280,000

VOLUME $750B12

7

35

9

2

5 Chase Paymentech provides products and services which support a variety of

point-of-sale and card-not-present environments, while providing exceptional

security and reliability. In the business nearly 30 years, Chase Paymentech

offers easy-to-accept payment methods such as credit and debit cards,

international payments, and electronic check processing as well as digital,

alternative and mobile payment options.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2007

9

1

11

1

0

0

CashRun was established in 2007 with the objective of supporting businesses’

needs for effective and affordable online payment solutions. To date, CashRun

has offices in Switzerland, the U.S., Germany, Singapore and China. With

strong global presence and partnerships, CashRun supports businesses to

develop their core competencies, protect and maximize their revenues and

growth, and minimize the risks online fraud presents to their operations.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

2

6

16

5

3

0Founded in 2010, with offices in London, Singapore, Dubai and Mauritius,

Checkout.com provides customizable online payments products and services

for small and large online merchants.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2010

PRICING 2,95% - 3.95% +£0.15

20

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PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

6

4

22

5

4

3 Computop is a leading global payment service provider (PSP) that provides

compliant and secure eCommerce, point of sale, m-commerce and Mail Order

and Telephone Order (MOTO) payments globally. The company, founded in

1997, is headquartered in Bamberg, Germany with local teams in the U.S., U.K.

and China. Computop processes transactions totaling $9+ billion per year, for

over 2,800 large international merchants in retail, travel and gaming.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 1997

CUSTOMERS 3,000

VOLUME Transactions worth $10B in value

0

7

16

2

4

3Coinify provides services for everyone to accept bitcoin payments, and to buy

and sell with bitcoin. The company enables merchants to accept bitcoin and get

paid in local currency, eliminating chargebacks and fraud. Coinify offers online

sellers seamless integration using payment buttons, shopping cart plug-ins and

hosted invoicing. For brick-and-mortar shops, it offers desktop and mobile point

of sale solutions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2010

PRICING 0%

21

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PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1994

CUSTOMERS 400,000

VOLUME $7.5B14

10

40

10

2

0 CyberSource is a wholly-owned subsidiary of Visa Inc. Over 400,000

businesses worldwide use CyberSource and Authorize.Net brand solutions to

process online payments, streamline fraud management, and simplify payment

security. The company maintains offices throughout the world, with regional

headquarters in Singapore, Tokyo, Miami, Sao Paulo and Reading, U.K.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

4

PAYMENTS

3

3

13

2

0

5 Creditcall makes card acceptance simple from any device, anywhere. Whether

attended, unattended, online or mobile payments, its award-winning EMV-ready

payment gateway and EMV migration solutions have been tried and tested for

over 15 years and are at the very heart of their clients’ businesses, ensuring

payments flow – all day, every day. Founded in 1996, Creditcall is a global

business with offices in North America and Europe.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 1999

CUSTOMERS 165M users

VOLUME 150M transactions

22

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1996

CUSTOMERS 30,000

6

9

20

2

0

3

DataCash Group Ltd (part of MasterCard Incorporated) provides multi-channel

global payment processing services and advanced fraud prevention and risk

management solutions to merchants and banks. Advanced technology from

DataCash enables customers to accept and process transactions in over 177

currencies from over 45 payment brands across eCommerce, m-commerce

channels and cardholder present channels.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

3

5

22

5

5

2

Started in 2000 with payment solutions, DialXS is the partner for payment and

telecom systems that allows consumers of services and products to make

payments simply and safely.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTSLAUNCH DATE 2000

LAUNCH DATE 1994

CUSTOMERS 11,000

VOLUME $35B

CUSTOMER FOCUS Digital, E-retail, Gaming and Travel

11

15

53

16

3

0

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

8

PAYMENTS

Designed to increase speed to revenue while reducing risk, Digital River World

Payments enables merchants of all sizes to process online payments using more

than 200 international payment options and over 170 currencies. In 2014, Digital

River World Payments processed more than $35 billion in online transactions

across more than 240 countries and territories. In addition to international

payment processing, services include checkout page optimization, solutions to

manage PCI exposure and currency risk, as well as advanced back-office

reconciliation services and business intelligence tools.

23

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1991

VOLUME $300B

CUSTOMER FOCUS Airlines, Hospitality, Health Care, Retail, Public

Sector and Education

7

3

22

5

3

4Elavon is wholly owned by U.S. Bancorp and provides end-to-end payment

processing solutions and services to more than 1.3 million customers in the

U.S., Europe, Canada, Mexico, Brazil and Puerto Rico.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

0

4

9

2

1

2Earthport is a regulated global financial services organization specializing in

cross-border payments. Earthport provides a cost-effective and transparent

service for secure international payments, servicing banks, money transfer

organizations, payment aggregators, eCommerce businesses and foreign

exchange businesses. Earthport delivers a “global ACH” capability using an

innovative payments framework specifically designed for high volumes of low

value cross-border payments. This provides its clients with access to local

clearing schemes in over 60 countries.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 1997

CUSTOMER FOCUS Banks, money transfer companies, eCommerce

providers, and payment administrators.

3

3

10

3

0

1European Merchant Services (EMS) offers credit and debit card payment

processing services to companies operating in the European market. A joint

venture between First Data Corporation and ABN AMRO Bank’s International

Card Services B.V., EMS belongs to top Europe merchant acquirers.

EMS has a payments platform, extensive reporting capabilities, in-house

chargeback management and strong fraud support.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2005

24

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1971

CUSTOMERS 6,200,000

6

7

26

4

4

5

First Data is the global leader in payment technology and services solutions,

with 24,000 owner-associates and operations in 35 countries. Today,

businesses in nearly 70 countries trust First Data to secure and process nearly

2,000 financial transactions per second, totaling $1.8 trillion a year. First Data’s

infrastructure consists of point-of-sale technology fueled by powerful analytics

to detect fraud, gain insights into consumer spending, and strengthen customer

loyalty.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2006

9

6

22

7

0

0

FIS is a global leader in banking and payments technology as well as consulting

and outsourcing solutions. With a long history deeply rooted in the financial

services sector, FIS serves more than 14,000 institutions in over 130 countries.

Headquartered in Jacksonville, Florida, FIS employs more than 40,000 people

worldwide and holds leadership positions in payment processing and banking

solutions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

0

9

19

4

2

4 Fortumo OU engages in the development, sale, service, support, and

management of mobile payment solutions to application developers, social

networks, and digital goods vendors in the Asia Pacific, Central and Eastern

Europe, North America, Northern Europe, Western Europe, the Middle East,

Africa, and Latin America. It offers in-application purchasing solutions to enable

developers to charge for premium features and sell virtual credits inside their

applications using mobile operator billing; and SMS-connectivity/mobile

payments API to enable developers to integrate mobile payments with

applications, games, and Web services.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 2007

VOLUME $300M

CUSTOMERS 120,000

25

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PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1994

VOLUME $14B

CUSTOMER FOCUS Digital Goods, Travel, Retail, Video Gaming5

9

22

8

0

0 GlobalCollect, part of Ingenico Group, processes international eCommerce

payments for more than 600 of the world’s most recognized eCommerce

brands in the digital goods and services, travel, retail and video gaming

industries, among many others.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2001

5

6

23

11

1

0

IBM Payment Systems (IPS) is a global payment gateway and eCommerce

checkout solution that integrates seamlessly into websites, mobile sites,

smartphone apps and call center tools. An easy-to-use interface, combined with

a fully localized payment checkout experience, implemented on a centralized

platform, means global retailers can set up and manage a comprehensive local

online payment solution quickly, easily and cost-effectively.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 1999

5

9

21

5

2

0

ImGlobal Payments is a merchant services provider for businesses that require

credit and debit card processing services to accept payments for Internet, Mail-

Order Telephone-Order (MOTO), & POS/Retail transactions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

26

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1996

CUSTOMERS 160,000

10

6

35

8

6

5

As a leading global digital payment service provider, Ingenico Payment

Services provides a seamless response to the complexity of payments,

whatever the channel: online, mobile and point of sale.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2005

CUSTOMERS 50,000

VOLUME $10B1

4

10

3

2

0 Klarna, founded in Stockholm in 2005 with the idea of simplifying buying, let the

consumer receive goods first and pay afterward, while assuming credit and

fraud risks for merchants. In 2014, Klarna joined forces with SOFORT to form

Klarna Group, the leading European payment provider. Klarna Group has more

than 1,200 employees and is active in 18 markets. Klarna serves 35 million

consumers and works with 50,000 merchants.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

7

5

30

8

6

4

Linkpay is a 100% cloud-built payment solutions platform. Its payment solutions

helps online and mobile businesses accept credit card payments by providing a

complete payment solution from the cloud. It handle everything, including

merchant account, gateway, storing cards, subscriptions, PCI Security and

direct payout to bank account.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2013

27

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1999

CUSTOMERS 121 million registered users

0

5

13

2

2

2

MercadoLibre’s automated online platform enables businesses and individuals

to list items and conduct their sales and purchases in a fixed-price or auction-

based format, with the preferred selling option being fixed price. MercadoLibre

has launched a cross-border trade program, which started in the U.S. and will

be expanding to the U.K. and Canada later in the year. It requires no set-up

fees and offers multiple integration options, enabling sellers to ship both ways –

directly to buyer or to a local address.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTS

6

10

26

5

0

5 MasterCard is one of world's best known online payment methods and

dominant credit card brands. MasterCard is truly a global payment brand,

supporting 150 currencies with over 35 million acceptance locations (point of

sale and online) in over 210 countries.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS LAUNCH DATE 1966

CUSTOMERS 35 million acceptance locations

PRICING 1% - 3% per credit card transaction

LAUNCH DATE 2004

10

5

28

8

1

4

PAY.ON is a worldwide provider of white-label global payment gateway

solutions. Its products include PaySourcing, a payment processing solution that

permits outsourcing of payment and risk management systems; and PayPipe,

which is an e-gateway used for processing payment transactions in various

currencies. The company also provides access to a payment platform that

offers multi-currency and cross-border payment solutions.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

28

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 1998

VOLUME $168B

1

9

14

3

1

0

PayPal offers various online payment checkout solutions for businesses around

the world. From a standard checkout to an express solution, PayPal operates

as a PSP to many online merchants. Shoppers can pay directly from their bank

account or stored credit cards like MasterCard and Visa.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

1

10

17

4

0

0Payvision, an independent payment solutions provider specialized in global

card processing for the eCommerce market, offers acquiring banks, PSPs,

ISOs and merchants a secure, PCI-DSS compliant, PSD licensed, international

payment processing platform, enhanced with innovative technology. Payvision

provides 150+ transaction currencies and regional card settlement currencies.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTSLAUNCH DATE 2002

CUSTOMERS 300 business partners, acquirers and PSP, + 500

merchants

VOLUME 100 million transactions

29

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2012

CUSTOMERS 9,000,000

0

6

11

3

2

0

Payza is a leading online payments technology platform used by licensed

entities around the world. Payza’s highly secure platform provides businesses

and consumers with convenient and flexible solutions for sending and receiving

payments worldwide. The company offers access to payment services in both

traditional and emerging markets, as well as a host of tools and services

including: fraud screening, dispute resolution, currency exchange, global

payouts and disbursement services.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

4

5

15

6

0

0 PPRO offers a platform for integrated processing and collection of payment

methods worldwide. Works indirectly with PSP partners and other financial

institutions whose merchant base can buy its services from them. Have access

to over one million eCommerce merchants, from small to large who are linked

to its PSP and market place partners. They can use all of PPRO's services

through their existing technical integration. The money is then usually collected

by PPRO and sent to them in the desired currency.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTSLAUNCH DATE 2006

CUSTOMERS Over 1M

30

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2001

CUSTOMERS 50,000

5

0

8

2

2

0

Sage Pay is Europe’s leading independent payment service provider (PSP) and

is one of the most trusted payment brands. Every year, Sage Pay processes

billions of British Pounds worth of secure payments for its 50,000+ customers

and makes the process of accepting payments online, over the phone, or in

person simpler, faster, safer and more profitable for businesses.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2001

CUSTOMERS 100,000

6

7

21

7

1

0

Skrill (Moneybookers) is one of the world's largest online payments and digital

wallet providers with over 20 million accountholders. Skrill's worldwide payment

network offers businesses access to more than 100 payment options, with 41

currencies covering 200 countries through just a single integration. More than

100,000 merchants use Skrill globally, including eBay.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 2009

CUSTOMERS 500,000

VOLUME $15B4

6

17

0

2

5 Square is committed to building tools that empower sellers to start, run, andgrow their business. Square's complete register service is a full point of salethat offers a suite of tools, from tracking sales and inventory to rich analyticsand small business financing. Customers in the United States also use SquareCash, the easiest way to send and receive money, and Square Order, a newway to pre-order food and drinks for pickup.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

31

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2011

4

6

18

3

5

0

Stripe aims to expand Internet commerce by making it easy to process

transactions and manage an online business. Stripe now processes billions of

dollars a year for thousands of businesses, from newly launched startups to

Fortune 500 companies. Since Stripe powers so many new businesses, it's a

snapshot of how the Internet is changing; many users are in categories that

barely existed five years ago.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 1983

5

3

17

4

1

4

TSYS provides online credit card processing for businesses of any size or

complexity. TSYS enables merchants to integrate multiple eCommerce

solutions to provide their customers a variety of payment acceptance

options. TSYS provides solutions that scale as businesses grow and needs

change.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 1970

CUSTOMERS 400,000

VOLUME $611B11

4

32

8

2

5 Vantiv is a leading payment processor differentiated by an integrated

technology platform. Vantiv offers a comprehensive suite of traditional and

innovative payment processing and technology solutions to merchants and

financial institutions of all sizes, enabling them to address their payment

processing needs through a single provider.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

2

PAYMENTS

32

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 7

PROVIDER DIRECTORY

PROVIDERS ARE LISTED IN ALPHABETICAL ORDER

LAUNCH DATE 2008

CUSTOMERS 20,000

4

0

16

4

4

0

WePay powers payments on online platforms and marketplaces, such as

Care.com, Constant Contact, FreshBooks, GoFundMe and Meetup. WePay

protects its partners from risk and regulatory exposure, while supporting a

seamless experience for their end users.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

4

PAYMENTS

LAUNCH DATE 1991

VOLUME $500B

5

6

24

9

3

1

Worldpay is a leading global payments technology and services company,

which allows merchants to accept payments anywhere in the world, across any

channel. Operating in over 30 countries, the company offers services across the

entire payments value chain, including transaction capturing, merchant

acquiring and transaction processing. The company employs over 4,700 people

in markets throughout the U.S., Europe and Asia.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

LAUNCH DATE 1970

2

3

17

5

3

4

Worldline, an Atos subsidiary, is a global player in the payments and

transactional services industry. Worldline delivers new generation services,

enabling its customers to offer smooth and innovative solutions to the end

consumer. Worldline specializes in merchant services and terminals, mobility

and e-Transactional services, and financial processing and software licensing.

GEOGRAPHIES

FRAUD

RISKOMNICHANNEL

DEVELOPER

0

PAYMENTS

33

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

The PYMNTS.com X-Border Payments Optimization Tracker™ is designed to provide an organizing

framework for evaluating the many players that provide merchant payment processing services

geared for cross-border payments.

PROVIDER PROFILESWe identified leading cross-border payment service providers by researching numerous industry

directories and Google searches. The list of providers will grow over time.

We researched provider websites to gather information on key attributes important to serving the

needs of cross-border merchants. Scoring for the X-Border tracker includes:

PAYMENT METHODS – Payment methods, digital wallets, account-on-file, recurring billing, acquirers

connected to, and acquirer services

GEOGRAPHIES – Regions served, currencies and languages, and office locations

FRAUD TOOLS – PCI compliance, tokenization, 3D Secure, address verification services, order linking,

proxy piercing, transaction scoring, end-to-end encryption, chargeback automation, IP geolocation, device

fingerprinting, velocity checks, screening lists, outsourced operations

RISK/COMPLIANCE SERVICES – Export and tax compliance, tax burden, and merchant of record

DEVELOPER TOOLKITS – APIs, eCommerce plug-ins, programming languages, shopping carts, account

updater services

OMNICHANNEL – Mobile and tablet POS, number of operating systems supported, and EMV

THE X-BORDER PAYMENTS OPTIMIZATION LANDSCAPE™The X-Border Payments Optimization LandscapeTM is a graphic representation of how the leading

payment service providers are scored in each of six categories important to optimizing a merchant’s

cross-border payments operations. It is not designed to suggest one is more important than another.

The Top 10 providers in each category are displayed in rank order from industry standard on the left

to best-in-class on the right.

FEEDBACKIf you would like to be included in this report and/or would like your information to be updated,

please contact us at xborder@pymnts.com and we will send you the data sheet required for

submission.

16

ABOUT

X-BORDER PAYMENTS OPTIMIZATION TRACKERTM

34

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED

PYMNTS.com is reinventing the way in

which companies in payments share

relevant information about the initiatives that

shape the future of payments and commerce

and make news.

This powerful B2B platform is the No. 1 site

for the payments and broader commerce

ecosystem by traffic and the premier source

of information about “what’s next” in

payments. C-suite and VP level executives

turn to it daily for these insights,

17

ABOUT

PYMNTS.COM

making the PYMNTS.com audience the most

valuable in the industry. It provides an

interactive platform for companies to

demonstrate thought leadership, popularize

products and, most importantly, capture the

mindshare of global decision-makers.

PYMNTS.com…where the best minds and

best content meet on the Web to learn “what’s next” in payments and commerce.

35

© 2015 PYMNTS.COM | ALL RIGHTS RESERVED 18

ABOUTX-BORDER PAYMENTS OPTIMIZATION TRACKERTM

THE X-BORDER PAYMENTS OPTIMIZATION

TRACKERTM MAY BE UPDATED

PERIODICALLY. WHILE REASONABLE

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